The Effect of Financial Technology and Digital Lifestyle on Saving Behavior: The Role of Financial Motivation

Authors

  • Mondra Neldi Universitas Putra Indonesia “YPTK” Padang, Sumatera Barat, Indonesia
  • Imran Yahya Universitas Putra Indonesia “YPTK” Padang, Sumatera Barat, Indonesia
  • Dodi Suryadi Universitas Putra Indonesia “YPTK” Padang, Sumatera Barat, Indonesia

DOI:

https://doi.org/10.38035/dijemss.v7i5.6419

Keywords:

Fintech, Digital Lifestyle, Financial Motivation, Saving Behavior, PLS-SEM

Abstract

This study examines the effects of financial technology (fintech) and digital lifestyle on saving behavior among residents of Padang City, with financial motivation as a mediating variable. Primary data were collected from 100 respondents and analyzed using PLS-SEM. Fintech positively affects financial motivation (β=0.594; p<0.001) and saving behavior (β=0.284; p=0.012). Digital lifestyle positively affects financial motivation (β=0.362; p<0.001) but has no direct effect on saving behavior (β=-0.015; p=0.845). Financial motivation strongly predicts saving behavior (β=0.670; p<0.001) and mediates the effects of fintech and digital lifestyle. The model explains 80.9% of financial motivation and 83.8% of saving behavior variance.

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Published

2026-06-15

How to Cite

Neldi, M., Yahya, I., & Suryadi, D. (2026). The Effect of Financial Technology and Digital Lifestyle on Saving Behavior: The Role of Financial Motivation. Dinasti International Journal of Education Management and Social Science, 7(5), 4285–4294. https://doi.org/10.38035/dijemss.v7i5.6419

Issue

Vol. 7 No. 5 (2026): Dinasti International Journal of Education Management and Social Science (June - July 2026)

Section

Articles

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Copyright (c) 2026 Mondra Neldi, Imran Yahya, Dodi Suryadi

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